Introduction
These directions aim to establish a standardised framework for reporting and
dissemination of credit information; safeguard the confidentiality and security of
sensitive credit data; provide mechanisms for consumers to access their credit
information and grievance redressal on matters related to credit information reporting.
Accordingly, in exercise of the powers conferred by Section 11 of the Credit
Information Companies (Regulations) Act, 2005 (hereinafter referred to as CICRA),
the Reserve Bank of India (‘RBI’) being satisfied that it is necessary and expedient in
the public interest so to do, hereby issues the Directions hereinafter specified.
Chapter-I Preliminary
A. Short title and commencement
1.
These Directions shall be called the Reserve Bank of India (Commercial Banks
– Credit Information Reporting) Directions, 2025.
2.
These Directions shall come into force with immediate effect, unless otherwise
specified.
B. Applicability
3.
These Directions shall be applicable to Commercial Banks [hereinafter
collectively referred to as ‘Credit Institutions (CIs)’ and individually referred to as
‘Credit Institution (CI)’].
For the purpose of these Directions, ‘Commercial Banks’ means banking
companies (other than Small Finance Banks, Payment Banks, and Local Area
Banks), corresponding new banks, and the State Bank of India, as defined
respectively under clauses (c), (da), and (nc) of Section 5 of the Banking
Regulation Act, 1949.
C. Definitions
4.
In these Directions, unless the context otherwise requires, the terms herein shall
bear the meaning assigned to them below:
(1) ‘Company’ means a company defined under section 3 of the Companies Act,
1956 or corresponding section under the Companies Act, 2013.
(2) ‘Credit Information Companies (CICs)’ means companies that have been


granted a certificate of registration under section 5 of the CICRA. The CICs
registered with RBI under Section 5 of the CICRA are:
Sl. No.
List of the CICs registered with RBI
Date of issue of Certificate
of Registration
1.
CRIF High Mark Credit Information
Services Private Limited
November 25, 2010
2.
Equifax Credit Information Services
Private Limited
March 26, 2010
3.
Experian Credit Information Company of
India Private Limited
February 17, 2010
4.
TransUnion CIBIL Limited
March 05, 2012
(3)
‘Specified User (SU)’ shall have the same meaning assigned to it under clause
(l) of section 2 of CICRA and those notified under regulation 3 of the Credit
Information Companies Regulations, 2006, hereinafter referred to as “CIC
Regulations” (as amended from time to time).
5.
Words or expressions used in these Directions and not defined herein, but defined
in CICRA, 2005, the Credit Information Companies Rules, 2006 (hereinafter
referred to as ‘CIC Rules’) and the CIC Regulations, shall have the same
meanings as assigned to them in these Statute/ Rules/ Regulations. Any other
words or expressions used and not defined in these directions or aforesaid
Statute/ Rules/ Regulations and defined in Reserve Bank of India Act, 1934 or
Banking Regulation Act, 1949 or the Companies Act, 2013 shall have the same
meanings as assigned to them in these Acts.


Chapter-II Membership of CICs
6.
A CI shall become member of all the CICs registered with the RBI.
7.
One-time membership fee charged by the CICs from a CI to become their
members shall not exceed ₹10,000 each.
8.
The annual fees charged by the CICs from a CI shall not exceed ₹5,000 each.


Chapter-III Credit Information Reporting and Dissemination
A. Data formats
9.
The reporting of credit information by a CI to the CICs, shall be undertaken in
standardised data formats as prescribed in Annex I. These standardised data
formats would be a non-proprietary reporting format and shall be known as
‘Uniform Credit Reporting Format’ (UCRF) as denoted below:
(1)
Form 1: Uniform Credit Reporting Format (Consumer) – for consumer segment.
(2)
Form 2: Uniform Credit Reporting Format (Commercial) – for commercial
segment.
(3)
Form 3: Uniform Credit Reporting Format (MFI) – for microfinance segment.
B. Reporting timelines and updation
10. A CI shall adhere to following guidelines on reporting timelines and updation:
(1)
A CI shall submit data on credit information of its borrowers (including historical
data) to all CICs.
(2)
1A CI shall keep the credit information collected / maintained by it, updated
regularly on the following basis or at shorter intervals as mutually agreed upon
between the CI and CIC:
(i)
A CI shall submit credit information as on 9th, 16th, 23rd and last day of the month
(hereinafter referred to as the reference dates) to CICs.
(ii)
A CI shall submit the full file containing credit information records as on the last
day of the month to the CICs, by 5th day of the next month. Full file for this purpose
shall include all active accounts in the books of the CI and the accounts wherein
relationship between the borrower and the CI has ended since the last reporting
reference date.
(iii) For other submissions during the month, i.e., credit information records as on 9th,
16th and 23rd day of the month, a CI shall only furnish ‘incremental accounts’ to CICs.
The CI shall submit such credit information to CICs within four (4) calendar days from

1 Substituted with effect from July 01, 2026, vide Reserve Bank of India (Commercial Banks – Credit Information
Reporting) Amendment Directions, 2025 dated December 04, 2025.


the above-mentioned dates. Incremental accounts for this purpose shall include details
in respect of the following accounts:
(a) Accounts opened since the last reporting reference date;
(b) Accounts wherein the relationship between the borrower and the CI has ended
since the last reporting reference date;
(c) Accounts where there is a change from the last reporting reference date
because of any action/ transaction initiated by the borrower, and the same shall
include instances of repayment, change in outstanding balance, updates in
demographic details, related party, guarantors, ownership of account, account
type; and
(d) Accounts where interest and / or instalment of principal is overdue
Explanation: Accounts with change only in days past due from the last reporting
reference date shall also form part of the reporting.
(iv) An illustration on timelines for reporting is given in Annex-VI.
(v) CICs shall report on the DAKSH portal, a list of CIs which fail to adhere to the
data submission timelines to Department of Supervision, Reserve Bank of India,
Central Office at half yearly intervals (as on March 31 and September 30 each
year) for information and monitoring purposes.
(3)
A CI shall ensure that the records submitted to CICs are updated regularly and
that no instances of repayment, including that of the last instalment, are left
unreported.
C. Reporting guidelines
11. The CICRA provides statutory backing for sharing of credit information by a CI
with CICs, subject to conditions stipulated therein. Therefore, with CICRA
coming into force, the requirement of a ‘consent clause’ has become redundant
and a CI need not insist upon obtaining such consent from borrowers.
12. A CI shall adhere to, inter alia, the following guidelines when reporting credit
information in the UCRF:
(1)
In the commercial reporting segment, corporate identification number (CIN) and
credit history of the directors of the company (based on DIN number) shall be


reported.
(2)
A CI shall report cases where compromise settlements have taken place and
the reason for such compromise settlement, in the prescribed data formats to CICs.
(3)
With respect to part instalment overdue, a CI shall submit data as it is, while
qualitative information on what filters to apply based on amount and period would be
done by the SU and others who make use of the data.
(4)
A CI shall use 'settled' status for denoting only specific situations where due to
financial inability to repay as per original terms and conditions, either a principal or an
interest waiver or both is provided to the customer.
Explanation: A CI needs to be aware of such a situation prior to extending fresh credit
to such customers. Cases of wrong debits or contested charges shall not be reported
as 'settled' but as 'disputed'.
(5)
The information on Commercial Papers (CPs) issued by the companies shall be
reported on a fortnightly basis to the CICs by a CI which has been designated as the
Issuing and Payment Agent (IPA) for the particular CP issue. If there are multiple
IPAs for a single CP issue, each IPA to such issue shall report to the CICs the details
pertaining to the portion of the issue which is with them. This information shall be
reported in the commercial data format in the fields as mentioned in Annex II. The
IPA shall also report any default in the redemption of the relevant CP issue to the
CICs. In view of reporting requirement of IPA, it is clarified that an investing CI need
not report the information on CPs to the CICs.
(6)
The information regarding Unhedged Foreign Currency Exposure (UFCE) of
individual borrowers shall be reported on a fortnightly basis to the CICs by the lending
CI (in the case of solo lenders) / consortium leader (in the case of consortium
arrangements) / largest lender (in the case of multiple lending arrangements).
(7)
The cases admitted with National Company Law Tribunal (NCLT) / National
Company Law Appellate Tribunal (NCLAT) under the Insolvency and Bankruptcy
Code, 2016 shall be reported under the suit-filed cases in the Uniform Credit
Reporting Format, while reporting to the CICs.
(8)
The reporting of Relationship Segment (RS) data by a CI to CICs is mandatory
for all accounts opened on or after July 01, 2018.


Explanations:
(a) The reporting of shareholders’ information under the ‘relationship’ field of the RS
in the Commercial data format should be done only for those shareholders who are
‘Beneficial Owners’ as defined under the Reserve Bank of India (Commercial Banks
– Know Your Customer) Directions, 2025, as amended from time to time.
(b) The RS details are important in establishing cross-linkages across the three
modules, viz., Consumer, Commercial and MFI, while providing comprehensive credit
information of a borrower to CIs by CICs.
(c) A timeline for reporting of the remainder legacy data would be reviewed by the
Technical Working Group (TWG) and the CIs would be advised in due course. CICs
shall furnish the list of CIs not adhering to the instructions on reporting of RS data to
the Department of Supervision (DoS), Central office, on a monthly basis.
(9)
 Guidelines for cross reporting, e.g., where individual is borrower and corporate
is co-borrower, or vice versa, shall be clearly intimated by CICs. The formats have
fields to incorporate the data where consumer data will be reported in the consumer
data format and co-borrower will be reported in commercial data format.
(10) 2A CI shall report Central KYC (CKYC) number of its borrowers to CICs,
wherever the same is available with it or as and when CKYC number is made
available (in the case of fresh applicants for CKYC number).
13. Data of Self Help Group (SHG) members
(1)
A CI financing SHGs shall report the SHG member level data to CICs in
the Uniform Credit Reporting Format (MFI) as mentioned in Annex I.
(2)
The structure of the credit information in respect of SHG members to be collected
and reported by a CI to CICs is set out below:
Sl. No.
Particulars
Annex III
1
Information to be collected by a CI from individual SHG
members where the total amount of loan to be attributed to or to
be availed by the SHG member exceeds ₹30,000/-
Table 1

2 Inserted with effect from July 01, 2026, vide Reserve Bank of India (Commercial Banks – Credit Information
Reporting) Amendment Directions, 2025 dated December 04, 2025.


2
Information to be collected by a CI from individual SHG
members where the total amount of loan to be attributed to or to
be availed by the SHG member is upto ₹30,000/-
Table 2
3
Information on all individual SHG members to be reported by a
CI to CICs [included under the Uniform Credit Reporting (MFI)
format]
Table 3
4
Information on individual SHG members to be collected by
banks at the time of opening of new Savings Bank Accounts of
the SHG
Table 4
(3)
The data tables are given in Annex III. As indicated above, a CI shall collect
information from all SHG members in Tables 1 and 2 and report it to the CICs
as set out in Table 3. The SHG member level data as mentioned in Table 3 shall
be subsumed in Form 3: Uniform Credit Reporting format (MFI) of Annex I for
reporting to CICs. The tables have been designed based on the following
considerations:
(i)
Some of the information (Item number 17 of Tables 1 and 2) is related to
the existing exposures of the SHG members including that of the SHG
groups with whom they might have been previously associated. This is
intended to help CIs make informed credit decisions with regard to the SHG
members. This information may be collected by CIs directly from the CICs
based on lead information provided by the SHG members. Hence, there
would be no need for CIs to include this information in the dataset reported
to the CICs as per Table 3.
(ii)
The collection and reporting of credit information in respect of SHG
members will be restricted to the members of those SHGs that take loans
exceeding ₹1,00,000/-. However, the members of all SHGs, regardless of
the amount of group loan, shall report the non-credit information to CIs
through the SHG Group at the time when the SHG approaches the CI for a
loan.
(iii) The non-credit information requirements have been designed both from the
perspective of identification of the individual borrowers and supplementing
the information requirements of banks, regulatory and government
development agencies for the purpose of evaluating the flow of credit to


various sub-segments of the SHG members and designing suitable credit
penetration strategies keeping in view the socio-economic profile of the sub-
segments. The information shall be reported by CIs to the CICs in a manner
that allows the CICs to identify all members associated with a particular SHG
and a particular person to be identified with all SHGs with whom he/she
is/was associated.
(4)
A CI shall put in place necessary systems and procedures including making
necessary changes to their system software for collections of the relevant
information from the SHG members and reporting the required information to the
CICs.
(i)
A CI shall have the option to collect and report the SHG member level data
either themselves or by outsourcing it to other entities. However, it shall
follow all general instructions on outsourcing set out in the Reserve Bank of
India (Commercial Banks – Managing Risks in Outsourcing) Directions,
2025, as amended from time to time, to the extent applicable and shall
continue to be responsible for the correctness of the data submitted by the
outsourced agencies to the CICs. A CI must put in place appropriate
controls to ensure the correctness of the data submitted by the entities to
which it is outsourced.
(ii)
A CI shall monitor the NPA levels in the SHG segment on an ongoing basis
and collect detailed information from SHG members availing loans
exceeding a lower threshold of ₹20,000, if the Gross NPA in the SHG
segment exceeds 10% or is higher than the gross NPA of the CI by 5
percentage points.
(iii) Non-adherence to the instructions by a CI shall result in exclusion of non-
compliant SHG loan accounts from the loan portfolios eligible to be
reckoned for the purpose of complying with the priority sector lending (PSL)
targets.
(5)
Other operational instructions
(i)
At this stage, it is envisaged to capture details of only the credit facilities
availed by the SHG members from the CIs. Therefore, any information
relating to inter-loaning among the SHG members out of their own savings


will not be covered. However, in order to know the overall indebtedness of
a SHG member it may be necessary to know their exposures to the SHGs
with regard to inter-loaning as well. As part of the continued endeavour to
improve the quality of information of a SHG member, the need for capturing
the inter-loaning would be reviewed in due course.
(ii)
Given significant challenges in monitoring and reporting the performance of
individual loans availed by the SHG members out of the amounts lent by
CIs to the SHGs, it is not envisaged to extend the credit reporting system to
the monitoring of repayment and recovery of these loans. However, this
would be considered in due course.
(iii) With a view to building up the adequate information base of the potential
SHG member borrowers and expediting the process of collection and
reporting of KYC compliant information relating to the members of the SHGs
when the SHGs are credit- linked, banks are encouraged to offer Small
Accounts / Basic Savings Bank Deposit Account to the SHG members when
an SHG approaches them for opening a Savings Account. In cases where
the SHG members agree to open such accounts, the information in Table 4
may be collected and kept on record to be used at the time when the SHG
approaches the bank for a loan. However, it must not be made a pre-
condition for opening the Savings Account of the SHG.
(iv) None of the data requirements specified in paragraph 13 should be made a
pre- condition for extending loans to the SHGs, though CIs must make
sincere efforts to comply with these requirements.
(v)
A CI may encourage the SHGs to keep written records of loans distributed
to their members out of the loan availed including the digitisation scheme
for SHGs of NABARD, where applicable, and may consider introducing
appropriate incentives in this regard.
(vi) A CI shall develop appropriate policies to deal with applications for credit
facilities from members of SHGs / SHGs on whom default is reported by the
CICs. Care needs to be taken that the SHGs / individual members are not
denied loans merely because of such defaults and CIs should appropriately
evaluate the credit history of the members themselves and take into account


the economic viability of their activities and the Groups’ capacity to service
the loan proposed to be taken by considering their loan applications.
(vii) The credit information relating to individual SHG members shall be
collected, reported, and disseminated as per the provisions of the CICRA
and the extant RBI directions on credit information reporting.
14. Reporting mechanism after cancellation of licence
(1)
In case of cancellation of licence of a CI by RBI, either through voluntary
submission or supervisory action, CICs shall insert a suitable disclaimer in the
records of the CI’s borrowers to reflect non-updatability of the record due to
closure of the CI in their CIR.
(2)
In order to address the challenges in updating credit information of borrowers of
CI whose licence has been cancelled, CICs and CIs shall implement a credit
information reporting mechanism subsequent to cancellation of licence as under
(i)
A CI, whose licence has been cancelled by RBI shall be categorised ‘Credit
Institution’ under Section 2(f)(vii) of CICRA.
(ii)
Such a CI shall continue to report credit information of the borrowers on-
boarded and reported to CICs prior to cancellation of their licence to all the
four CICs till the loan lifecycle is completed or the credit institution is wound
up, whichever is earlier.
(iii) Such a CI shall have access to Credit Information Reports pertaining to only
those borrowers which were onboarded and reported to CICs before the
cancellation of their license.
(iv) CICs shall not charge the annual and membership fees from such a CI.
(v)
These instructions shall also be applicable to those entities whose licence
has been cancelled by the Reserve Bank of India prior to issuance of these
instructions.
(vi) All other instructions regarding credit information reporting by CIs to CICs
shall remain unchanged


D. Rectification of rejected data and review of Data Quality Index (DQI)
15.
3A CI shall rectify the rejected data shared by CICs and re-submit the same to
CICs before/ along with submission of data of subsequent reporting reference
date.
16. CICs shall prepare and provide Data Quality Index (DQI) for Consumer,
Commercial and Microfinance segments, as provided in Reserve Bank of India
(Credit Information Companies) Directions, 2025, for assessing the quality of
data submissions by CIs to CICs and improving the same over a period of time.
17. A CI shall undertake half yearly review of the DQI for all segments to improve
the quality of the data being submitted to CICs.  A report consisting of issues
identified and corrective steps taken shall be placed before its top management
by each CI for review within two months from the end of that half-year.
E. Correction of Credit Information Report
18. A CI shall abide by the time periods stipulated under CICRA and the Rules and
Regulations framed thereunder in respect of updation, alteration of credit
information, resolving disputes, etc. Procedure prescribed under Rules 20 and
21 of the CIC Rules, 2006 in this regard shall be adhered to. Deviations from
stipulated time limits shall be monitored and commented upon in the periodical
reports/reviews put up to the Board / Committee of Board on customer service.
19. A CI shall have arrangements in place to receive customer requests for
rectification of data in CIRs. In order to maintain high data quality, all
erroneous data shall be corrected at the source by the CI that originally
submitted the data.
F. Use of credit information reports in credit appraisal
20. A CI shall include in their loan policies / credit appraisal processes, suitable
provisions for obtaining CIRs from one or more CICs so that the credit decisions
are based on credit information available in the system.

3 Substituted with effect from July 01, 2026, vide Reserve Bank of India (Commercial Banks – Credit Information
Reporting) Amendment Directions, 2025 dated December 04, 2025.


G. Display of information
21.    A CI which is a secured creditor as per the Securitisation and Reconstruction of
Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002, shall
display, on its website, information in respect of the borrowers whose secured assets
have been taken into possession by the CIs under the SARFAESI Act, 2002 as per
the format given in Annex IV. The list consisting of this information shall be updated
on monthly basis.
(1)
 The following clarifications in this regard need to be noted by the CIs:
(i)
Secured assets possessed by a CI under the SARFAESI Act, 2002 on or
after September 25, 2023 should be disclosed on its website.
(ii)
The assets possessed and already sold under SARFAESI Act, 2002 need
not be displayed on the website.
(iii) The secured assets possessed by a CI shall be removed from the website
in the event of the following circumstances:
(a)
when the secured asset is sold; or
(b)
when the secured creditor receives the outstanding amount (which
includes the principal, interest and any other dues payable by the
borrower to the secured creditor) or after payment of the agreed
settlement amount from the borrower.
(iv) The SARFAESI Act, 2002 does not classify possession as symbolic or
physical. Accordingly, a CI shall display information on secured assets
possessed under Section 13 (4) of the SARFAESI Act, 2002. This includes
the display of both symbolically and physically possessed assets on the
website.
(v)
Both movable and immovable secured assets possessed under Section
13 (4) of the SARFAESI Act, 2002, on which the information is already
published in the newspapers in terms of Rule 3 (1) or Rule 6 (2) of the
Security (Enforcement) Rules of 2002 in case of movable property, and
Rule 8 (2) ibid in case of immovable property, shall be displayed on the
website of a CI.


(vi) The ‘outstanding amount’ to be displayed on the website of a CI shall be
as per definition provided under Section 13 (9) (b) of the SARFAESI Act,
2002 i.e. it shall include principal, interest and any other dues payable by
the borrower to the secured creditor in respect of secured asset as per the
books of account of the secured creditor.
(vii) The ‘outstanding balance’, ‘asset classification’ and ‘date of asset
classification’ of the secured assets possessed under Section 13 (4) of the
SARFAESI Act, 2002, shall be as per the information published in the
newspapers in terms of Rule 3 (1) or Rule 6 (2) of the Security
(Enforcement) Rules of 2002 in case of movable property, and Rule 8 (2)
in case of immovable property.
(viii) The ‘State’ column of the Annex IV corresponds to that of the branch, as
the borrower's address column inherently captures the State to which the
borrower belongs.
(ix) Details in the ‘Guarantor Name (wherever applicable)’ column of the
Annex IV should be limited to guarantors who have created a security
interest in favour of the CI and whose assets are possessed under the Act.
(x)
The monthly updates mentioned above specifically relate to the inclusion
of new secured assets possessed by a CI, and the removal of the secured
assets that have been sold or resolved by the CI.
(xi) While the lead lender as per the consortium agreement may initiate
SARFAESI proceedings, all consortium members are required to
individually display on their website the details of assets taken into
possession, including outstanding amount and other details as per the
pari-passu charge and consortium agreement ensuring transparency.
H. Applicability of other instructions issued by Department of Regulation
22. A CI shall ensure compliance with the applicable instructions on credit
information reporting, as prescribed in the following Directions/ Circulars:
(1)
Reserve Bank of India (Commercial Banks – Credit Cards and Debit Cards:
Issuance and Conduct) Directions, 2025, as amended from time to time.
(2)
Reserve Bank of India (Commercial Banks – Classification, Valuation and


Operation of Investment Portfolio) Directions, 2025, as amended from time to time.
(3)
Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025
(4)
Reserve Bank of India (Commercial Banks – Transfer and Distribution of Credit
Risk) Directions, 2025
(5)
Reserve Bank of India (Commercial Banks – Undertaking of Financial Services)
Directions, 2025


Chapter-IV Technical Working Group
A.
Instructions on Technical Working Group
23. In order to institutionalize a continuing mechanism for reviewing and making
changes where necessary in the data formats, a Technical Working Group
(TWG) shall be formed. The TWG shall carry out the following functions:
(1)
Review the data reporting formats, at least once a year, and make
recommendations, if any, to the Reserve Bank in this regard.
(2)
Frame rules on data fields for all data reporting formats, viz., consumer,
commercial, micro finance (MFI) segments. The data formats after finalisation
by the Group will be submitted to RBI for approval.
(3)
Any other matter relating to collection and dissemination of credit
information as the Reserve Bank may assign from time to time.
24. The TWG shall comprise of representatives from Public Sector Banks, Private
Sector Banks, Foreign Banks, Primary (Urban) Cooperative Banks (UCBs),
Regional Rural Banks (RRBs), All India Notified Financial Institutions (AIFIs),
Non-Banking Financial Companies (NBFCs), Housing Finance Companies
(HFCs), Asset Reconstruction Companies (ARCs) India Banks’ Association
(IBA), Micro Finance Institutions Network (MFIN), Sa-Dhan and CICs.
25. Meetings of the TWG shall be held at least once in a calendar year. The four
CICs shall act as convenor of the TWG by rotation (for each calendar year), in
alphabetical order of the name.
B.
Standing Sub-Group of TWG

26. A Standing Sub-Group of TWG shall be constituted to function as an advisory
and collaborative body to offer expert insights and make recommendations on
technical aspects of credit information reporting. Its purpose would be to support
in-depth discussions regarding challenges encountered by CIs and CICs in
relation to credit information reporting. This includes necessary modifications,
including changes in the IT systems, that may be required in the data reporting
formats. The Sub-Group shall work to support the broader TWG to ensure a
holistic approach to strengthening the credit information reporting ecosystem.


27. The Sub-Group of TWG would consist of representatives from Public-Sector
Banks, Private Sector Banks, Foreign Banks, Small Finance Banks, Regional
Rural Banks, Urban Cooperative Banks, Non-Banking Financial Companies,
Asset Reconstruction Companies, Self-Regulating Organizations (SROs), viz.,
MFIN and Sa-Dhan, and all CICs.
28. Members of the Sub-Group shall be selected by the convenor with prior
approval of the Reserve Bank. To enhance the overall expertise and
effectiveness of the discussions, members of the Sub-Group shall nominate
subject matter experts to its meetings.
29. The Sub-Group of TWG shall meet at least on a half yearly basis to discuss
credit information reporting issues and seek potential resolutions.
30. To ensure effective coordination, the CIC that assumes the role of TWG
convenor for a specific year shall also act as convenor of the Sub-Group in that
particular calendar year.
31. To ensure proper preparation and informed discussions, the convenor shall
send the meeting agenda and notes at least fifteen (15) days before the
scheduled meeting. Additionally, if members desire to introduce a new issue or
item for discussion, they should send a note outlining the points of discussion
and proposed solutions to the convenor.
32. Action points emanating from discussions of the Sub-Group shall contain
specific timelines required for their implementation by CICs and CIs.
33. Recommendations of the Sub-Group of TWG shall be forwarded to the
Department of Regulation, Central Office, Reserve Bank of India for perusal. If
required, RBI may seek TWG’s opinion on these recommendations.
Chapter-V Customer Service and Grievance Redressal
A. Strengthening of customer service
34. In order to strengthen and improve the efficacy of the grievance redress
mechanism and customer service provided by the CIs, the following measures
shall be put in place by a CI:
(1)
Updation of credit information with CICs


(i)
A CI shall send alerts through SMS / email to customers while submitting
information to CICs regarding default / days past due (DPD) in existing
credit facilities, wherever the mobile number/email ID details are available.
(ii)
To enable sending of alerts through SMS / email, the Uniform Credit
Reporting Format for reporting credit information by a CI to CICs has been
modified as detailed in Annex V.
(iii) A CI shall organize special awareness campaigns to sensitise its
customers about benefits of submission of their mobile numbers / email
IDs.
(2)
Setting up of nodal points / officials
(i)
A CI shall have a dedicated nodal point / official of contact for CICs for
redress of customer grievances. Details of the nodal point / official along
with email ID and telephone / mobile number shall be furnished by the CI to
CICs.
(ii)
A CI shall inform CICs of any changes in the nodal points / official within
five calendar days of such a change.
(3)
Reasons for rejection of requests for data correction
(i)
A CI shall inform the customers the reasons for the rejection of their request
for data correction, if any, to enable such customers to better understand
the issues in the CIR.
(ii)
A CI shall use the list of reasons for rejection of requests circulated by CICs,
while communicating the rejections of the request for data correction made
by customers / CICs during the grievance redress process.
(4)
Root Cause Analysis of complaints
(i)
A CI shall undertake Root Cause Analysis (RCA) of the customer
grievances at least on a half yearly basis. CIs shall also use, inter alia,
information on data rejected by the CICs and DQI provided by CICs as
sources of information for carrying out RCA.
(ii)
The RCA shall be reviewed by the top management at least on an annual
basis.


B. Framework for compensation to customers
35. A CI shall implement the following compensation mechanism for delayed
updation/ rectification of credit information:
(1)
 Complainants shall be entitled to a compensation of ₹100 per calendar day in
case their complaint is not resolved within a period of thirty calendar days from the
date of the initial filing of the complaint by the complainant with a CI / CIC.
Explanation:
(i)
Section 21 (3) of CICRA, 2005 provides that a complainant may request a
CIC or CI to update the credit information by making an appropriate
correction, addition or otherwise, and on such request the CI or CIC shall
take steps to update the credit information within 30 days after being
requested to do so.
(ii)
Rule 20 (3) (c) of CIC Rules, 2006 provides that the CI shall forward the
corrected particulars of the credit information to the CIC or complainant
within a period of 21 days from the date when the CI was informed of the
inaccuracy in the credit information.
(iii) The combined reading of Section 21(3) of CICRA, 2005 and Rule 20 (3)
(c) of CIC Rules, 2006 provide the CI and the CIC, collectively, an overall
limit of thirty (30) days to resolve/ dispose of the complaint. In effect, this
would mean that a CI would get 21 days and CICs would effectively get
the remainder of nine days for complete resolution of the complaint.
(2) A CI shall pay compensation to the complainant if it has failed to send updated
credit information to the CICs by making an appropriate correction or
addition or otherwise within 21 calendar days of being informed by the
complainant or a CIC.
(3) The complainant shall be advised by the CI / CIC of the action taken on the
complaint in all cases, including the cases where the complaint has been
rejected. In cases of rejection, the reasons for rejection shall also be provided
by CI and CIC.
(4)
Compensation to be provided by the CICs / CIs to the complainant (for delayed
resolution beyond 30 calendar days of filing the complaint) shall be apportioned


among the CIs / CICs concerned proportionately.
Illustrations:
(i)
Complaints registered with CIC by the complainant
CIs have maximum 21 days’ time and CICs have the remaining period, within the
overall time period of 30 days from the date of receipt of the complaint for its
resolution. Compensation payable by the CICs/ CIs shall be calculated under
various scenarios as illustrated below:
Case 1
•
Complaint registered with a CIC on January 1, 2022.
•
The CIC seeks confirmation from the CI (for e.g. Bank A) on January 12, 2022.
•
Bank A provides confirmation to the CIC on February 2, 2022 (21st day would
be February 2, 2022) – no delay by Bank A.
•
The CIC resolves and provides rectified CIR to the complainant on February
3, 2022.
•
Compensation of ₹300/- shall be provided by the CIC to the complainant for
delay of three (3) days beyond the permissible period of 30 days (i.e. in this case
by January 31, 2022).
Case 2
•
Complaint registered with a CIC on January 1, 2022.
•
The CIC seeks confirmation from Bank A on January 5, 2022.
•
Bank A provides confirmation to the CIC on January 26, 2022 (i.e. within 21
days) – no delay by Bank A.
•
The CIC resolves and provides rectified CIR to the complainant on February 3,
2022.
•
Compensation of ₹300/- shall be provided by the CIC to the complainant for
delay of three (3) days beyond the permissible period of 30 days (i.e. in this case
by January 31, 2022).


Case 3
•
Complaint registered with a CIC on January 1, 2022
•
The CIC seeks confirmation from Bank A on January 5, 2022.
•
Bank A provides confirmation to the CIC on January 28, 2022 (21st day would
be January 26, 2022) – 2 days delay by Bank A
•
If CIC resolves and provides rectified CIR to the complainant on February 2,
2022 - Compensation of ₹200/- shall be provided by the Bank A to the complainant
for a delay of two (2) days beyond the permissible period of 30 days (i.e. in this
case by January 31, 2022).
•
If CIC resolves and provides rectified CIR to the complainant on February 3,
2022 – Total compensation of ₹300/- (₹200/- by Bank A and ₹100/- by CIC) shall
be provided to the complainant for delay of three (3) days beyond the permissible
period of 30 days (i.e. in this case by January 31, 2022).
Case 4
•
Complaint registered with a CIC on January 1, 2022
•
The CIC seeks confirmation from Bank A, Bank B, Bank C, Bank D, Bank
E on January 5, 2022 – i.e. the CIC has taken 4 days to seek confirmation.
•
For Bank A, B, C, D and E – (21st day would be January 26, 2022)
•
If Bank A provides confirmation to CIC on January 26, 2022 – No delay
•
If Bank B provides confirmation to CIC on January 31, 2022 – 5 days delay
•
If Bank C provides confirmation to CIC on February 2, 2022 – 7 days delay
•
If Bank D provides confirmation to CIC on February 4, 2022 – 9 days delay
•   If Bank E provides confirmation to CIC on February 6, 2022 – 11 days delay
•
Therefore, total delay in resolution of complaint is as follows:
•
If the CIC resolves and provides rectified CIR to the complainant on February
6, 2022 – Total compensation of ₹600 shall be provided to the complainant, on a
weighted average basis, as under, for a delay of 6 days beyond the permissible
period of 30 days (i.e. in this case by January 31, 2022):
32
days


Explanation: The delay of six days shall be apportioned by the CIs/CICs on
weighted average of the extent of delay by each CIs/CICs. In the above case, the
overall delay is 6 days and therefore the complainant shall be entitled for total
compensation of ₹600. This needs to be apportioned between all the defaulting
banks (in this case Bank B, C, D and E). Cumulatively, the delay of all the defaulting
banks put together is 32 days (5+7+9+11 days). Therefore, the compensation
amount of ₹600 shall be apportioned on weighted average of the delay by each CIs
in relation to the overall delay of 32 days in this case.
 Bank A = No compensation
 Bank B = (5*600)/32 = ₹93.75
 Bank C= (7*600)/32 = ₹131.25
 Bank D = (9*600)/32 = ₹168.75
 Bank E = (11*600)/32 = ₹206.25
 CIC = No compensation
•
 If the CIC resolves and provides rectified CIR to the complainant on
February 11, 2022, total days taken by CIC would be 9 days (i.e. 4+ 5 days). Total
compensation of ₹1100 shall be provided to the complainant, on a weighted
average basis, as under, for delay of 11 days beyond the permissible period of 30
days (i.e. in this case by January 31, 2022):

Bank A = No compensation

Bank B = (5*1100)/32 = ₹171.88

Bank C = (7*1100)/32 = ₹240.62

Bank D = (9*1100)/32 = ₹309.38

Bank E = (11*1100)/32 = ₹378.12

CIC = No compensation (as CIC has taken overall 9 days)
•
If the CIC resolves and provides rectified CIR to the complainant on
February 15, 2022. CIC has taken 13 days (i.e. 4 days + 9 days) to provide a final
rectified CIR. Total compensation of ₹1500 shall be provided to the complainant,


on a weighted average basis as under, for the delay of 15 days beyond the
permissible period of 30 days (i.e. in this case by January 31, 2022):

Bank A = No compensation

Bank B = (5*1500)/36 = ₹208.34

Bank C = (7*1500)/36 = ₹291.66

Bank D = (9*1500)/36 = ₹375.00

Bank E = (11*1500)/36 = ₹458.34
 CIC = (4*1500)/36 = ₹166.66
Case 5
• Complaint registered with a CIC on January 1, 2022
• The CIC seeks confirmation from Bank A on January 5, 2022
• Bank A provides confirmation to the CIC on January 28, 2022 (21st day would be
January 26, 2022) – 2 days delay
• If, CIC resolves and provides rectified CIR to Bank A on January 31, 2022 (i.e.
resolution done within 30 days of receiving the complaint) - No case for
Compensation.
However, the CI would be liable for penal action as deemed fit by the Reserve
Bank of India as per provisions of CICRA, 2005 and Rules and Regulations farmed
thereunder.
(ii)
Complaints registered with CIs by the complainant
Case 6
• Complaint registered with a CI (for e.g. Bank A) on January 1, 2022
• Bank A provides rectified details to CIC on January 22, 2022 (21st day would be
January 22, 2022) – no delay by Bank A.
• If the CIC resolves and provides rectified CIR to Bank A on January 31, 2022 and
Bank A provides the rectified CIR to the complainant on January 31, 2022 – No
case for compensation.
32 + 4 = 36
days


• If the CIC resolves and provides rectified CIR to Bank A on January 31, 2022 and
Bank A provides the rectified CIR to the complainant on February 1, 2022 – A
compensation of ₹100 shall be provided by the Bank A to the complainant for delay
of 1 days beyond the permissible period of 30 days (i.e. in this case by January
31, 2022).
• If the CIC resolves and provides rectified CIR to Bank A on February 1, 2022 and
Bank A provides the rectified CIR to the complainant on February 1, 2022 - A
compensation of ₹100 shall be provided by the CIC to the complainant for delay of
1 day beyond the permissible period of 30 days (i.e. in this case by January 31,
2022).
• If the CIC resolves and provides rectified CIR to Bank A on February 1, 2022 and
Bank A provides the rectified CIR to the complainant on February 2, 2022 - Total
compensation of ₹200 shall be provided [₹100 by the CIC and ₹100 by Bank A] to
the complainant for delay of 2 day beyond the permissible period of 30 days (i.e.
in this case by January 31, 2022).
Note: Where the grievance/ complaint involves inaccurate credit information of
more than one (1) CI, the complaint shall be registered by the customer with the
concerned CIC. The CIC shall coordinate with all CIs concerned, and furnish to
the customer a comprehensive resolution of grievance.
Case 7
• Complaint registered with a CI (for e.g. Bank A) on January 1, 2022
• Bank A resolves and provides rectified details to the CIC on January 25, 2022
(21st day would be January 22, 2022) – 3 days delay by Bank A.
• If the CIC resolves and provides rectified CIR to Bank A on January 31, 2022 and
Bank A provides rectified CIR to complainant on January 31, 2022 - No case for
Compensation.
• If the CIC resolves and provides rectified CIR to Bank A on February 3, 2022 (i.e.
the CIC takes 9 days after being informed by Bank A) and Bank A provides rectified
CIR to the complainant on February 3, 2022 – A compensation of ₹300 shall be
provided by Bank A to the complainant for delay of 3 days beyond the permissible
period of 30 days (i.e. in this case by January 31, 2022).


• If the CIC resolves and provides rectified CIR to Bank A on February 3, 2022 and
Bank A provides rectified CIR to the complainant on February 4, 2022 – A
compensation of ₹400 shall be provided by Bank A to the complainant for delay of
4 days beyond the permissible period of 30 days (i.e. in this case by January 31,
2022).
• If the CIC resolves and provides rectified CIR to Bank A on February 4, 2022 and
Bank A provides rectified CIR to the complainant on February 4, 2022 – Total
compensation of ₹400 [₹100 by the CIC and ₹300 by Bank A] shall be provided to
the complainant for delay of 4 days beyond the permissible period of 30 days (i.e.
in this case by January 31, 2022).
• If the CIC resolves and provides rectified CIR to Bank A on February 4, 2022 and
Bank A provides rectified CIR to the complainant on February 5, 2022 – Total
compensation of ₹500 [₹100 by CIC and ₹400 by Bank A] shall be provided to the
complainant for delay of 5 days beyond the permissible period of 30 days (i.e. in this
case by January 31, 2022).
(5) Where the grievance / complaint involves inaccurate credit information provided
by more than one CI, the complaint shall be registered by the complainant with
the concerned CIC. The CIC shall coordinate with all the CIs concerned and
furnish the complainant with a comprehensive resolution of the grievance.
(6) Where the complaint has been received and registered by a CI and there has
been a delay in the resolution of the complaint, the CI shall inform the concerned
CIC(s) and the complainant after the final resolution, regarding total delay (in
calendar days) and the amount of compensation to be paid by the CI and/ or
CIC(s).
(7) The date of the resolution of the grievance shall be the date when the rectified
CIR has been sent by the CIC or CI to the postal address or email ID provided
by the complainant.
(8) A CI shall make appropriate provision in their complaint submission format (both
online and offline) for enabling the complainant to submit the contact details,
email ID, and bank account details/ Unified Payment Interface (UPI) ID for
crediting the compensation amount. The onus of providing accurate details will


lie with the complainant and the CIs will not be held responsible for any incorrect
information provided by the complainant.
(9) The compensation amount shall be credited to the bank account of the
complainant within five working days of the resolution of the complaint.
(10) The complainant can approach RBI Ombudsman, under the Reserve Bank -
Integrated Ombudsman Scheme, 2021, in case of wrongful denial of
compensation by CIs or CICs.
(11) In case of wrongful denial of compensation by a CI which is yet to be covered
under the Reserve Bank - Integrated Ombudsman Scheme, 2021, the
complainant can approach Consumer Education and Protection Cell (CEPC)
functioning from Regional Offices (ROs) of RBI.
(12) The compensation framework shall not be applicable in the following cases:
(i)
disputes for which remedy has been provided under Section 18 of CICRA,
2005. The Section 18 of CICRA, 2005 provides that for disputes arising
amongst, CICs, CIs, borrowers, and clients on matters relating to the
business of credit information and for which no remedy has been provided
under CICRA, 2005, such disputes shall be settled by conciliation or
arbitration as provided in the Arbitration and Conciliation Act, 1996.
(ii)
complaints / references relating to (a) internal administration, (b) human
resources, (c) pay and emoluments of staff, and (d) references in the nature
of suggestions and commercial decisions of the CI.
(iii) complaints that have been decided by or are already pending in other fora
such as Consumer Disputes Redressal Commission, Courts, Tribunals, etc.
C. Reserve Bank- Integrated Ombudsman Scheme, 2021
36. A CI covered under the Reserve Bank – Integrated Ombudsman Scheme, 2021
(RBIOS, 2021) shall comply with the directions provided under the said
Scheme.
D. Appointment of Internal Ombudsman
37. A CI covered under the Internal Ombudsman framework shall adhere to the
instructions issued vide Master Direction – Reserve Bank of India (Internal


Ombudsman) Directions, 2023 dated December 29, 2023 (as amended from
time to time).


Chapter-VI Best Practices
38. A CI shall take into account the best practices as detailed below, while
formulating or reviewing its policies and procedures under the CICRA with the
approval of their Board of Directors:
(1)
Instances of non-updation of repayment information could be avoided by
centralising the issue of no objection certificates (NOCs) and providing information
to CICs.
(2)
Customer grievance redressal should be given top priority especially in respect
of complaints relating to updation / alteration of credit information.
(3)
Grievance redressal in respect of credit information should be integrated with the
existing systems for grievance redressal. Aspects relating to customer grievances
pertaining to credit information may also be an integral part of customer service
policy of a CI.
(4)
A CI shall give full customer information to the CICs. For instance, identifier
information like PAN number, Voters ID Card number, etc. is not provided by CIs
for all records.
(5)
First time borrowers’ loan applications should not be rejected just because they
have no credit history.
(6)
With a view to decreasing court cases involving CIs and CICs, complaints need
to be addressed by them on an urgent basis. A CI shall have a structured process
of complaint redressal including the setting up of Consumer Protection
Committee of the Board.


Chapter-VII Repeal and Other Provisions

A. Repeal and saving
39. With the issue of these Directions, the existing Directions, instructions, and
guidelines relating to credit information reporting as applicable to Commercial
Banks stand repealed, as communicated vide circular DOR.RRC.REC.302/33-
01-010/2025-26 dated November 28, 2025. The Directions, instructions and
guidelines repealed prior to the issuance of these Directions shall continue to
remain repealed.
40. Notwithstanding such repeal, any action taken or purported to have been taken,
or initiated under the repealed Directions, instructions, or guidelines shall
continue to be governed by the provisions thereof. All approvals or
acknowledgments granted under these repealed lists shall be deemed as
governed by these Directions. Further, the repeal of these directions, instructions,
or guidelines shall not in any way prejudicially affect:
a) any right, obligation or liability acquired, accrued, or incurred thereunder;
b) any, penalty, forfeiture, or punishment incurred in respect of any
contravention committed thereunder;
c) any investigation, legal proceeding, or remedy in respect of any such right,
privilege, obligation, liability, penalty, forfeiture, or punishment as aforesaid;
and any such investigation, legal proceedings or remedy may be instituted,
continued, or enforced and any such penalty, forfeiture or punishment may
be imposed as if those directions, instructions, or guidelines had not been
repealed.
B. Application of other laws not barred
41. The provisions of these Directions shall be in addition to, and not in derogation
of the provisions of any other laws, rules, regulations, or directions, for the time
being in force.


C. Interpretations
42. For the purpose of giving effect to the provisions of these Directions or in order
to remove any difficulties in the application or interpretation of the provisions of
these Directions, the RBI may, if it considers necessary, issue necessary
clarifications in respect of any matter covered herein and the interpretation of
any provision of these Directions given by the RBI shall be final and binding.

(J P Sharma)

Chief General Manager


Annex I
Uniform Credit Reporting Format

Form 1: Uniform Credit Reporting Format (Consumer)

Segments
Fields
Header
Reporting
Member /
Processor
User ID
Reporting Member
/ Processor Short
Name
Cycle
Identification
Date
Reported
and
Certified
Reporting
Password
Authentication
Method
Member Data
Name
Consumer Name
Date of Birth
Gender
ID
ID Type
ID Number
Issue Date
Expiration Date
Telephone
Telephone Number
Telephone Extension
Telephone Type
Email
E-Mail ID
Address
Consumer Address
State Code
PIN
Code
Address Category
Residence Code
Account
Current/New
Reporting
Member
Code
Current/New
Member Short
Name
Current / New
Account
Number
Account Type Ownership
Indicator
Date Opened/
Disbursed
Date of Last
Payment
Date Closed
Date Reported and
Certified
High Credit/
Sanctioned
Amount
Current
Balance
Amount
Overdue
Number of Days
Past Due
Old Reporting
Member Code
Old Member
Short Name
Old Account
Number
Old Account
Type
Old
Ownership
Indicator
Suit Filed/ Wilful
Default
Credit Facility
Status
Asset
Classification
Value of
Collateral
Type of Collateral
Credit Limit
Cash Limit
Rate of Interest
Repayment
Tenure
EMI Amount
Written-off
Amount
(Total)
Written-off
Amount
(Principal)
Settlement
Amount
Payment
Frequency
Actual
Payment
Amount
Occupation Code
Income
Net/Gross Income
Indicator
Monthly/Annual
Income Indicator

Note: The reporting fields of the Consumer reporting format to incorporate among
others the following catalogue values:
Field Name

Remarks
Account Type
Inclusion of additional catalogue values:
•
Short term personal loan
•
Priority Sector – Gold loan
•
Temporary Overdraft (account should be considered
closed by CICs when it is not reported in subsequent
months by CIs in view
of credit balance in the said account)


Credit Facility Status
Inclusion of additional catalogue values:
•
Restructured due to COVID-19
•
Post Write Off Closed
•
Restructured and Closed
•
Auctioned and Settled
•
Repossessed and Settled
•
Guarantee Invoked
Ownership Indicator
Inclusion of additional catalogue value:
•
Deceased
Type of Collateral
Inclusion of additional catalogue value:
•
Multiple Securities and
Others
ID Type
Inclusion of additional catalogue values:
•
NREGA card number
•
CKYC
Payment frequency
Inclusion of additional catalogue values:
•
Bullet payment
•
Daily
•
Half yearly
•
Yearly
•
On Demand
Address Category
Inclusion of additional catalogue value:
Mortgage Property address
High
Credit/
Sanctioned Amount
The reporting field to be mandatory


Form 2: Uniform Credit Reporting Format (Commercial)

Segments
Fields
Header
Member ID
Previous
Member ID
Date of Creation
& Certification of
Input File
Reporting /
Cycle Date
Information Type Filler
Borrower
Member
Branch Code
Previous
Member
Branch Code
Borrower s Name
Borrower Short
Name
Company
Registration
Number
Date of
Incorporation
PAN
CIN
TIN
Service Tax
number
Udhyam
Registration
Number
Borrower s
Legal
Constitution
Business
Category
Business / Industry
Type
Class of
Activity 1
Class of
Activity 2
Class of Activity 3 SIC Code
Sales Figure
Financial Year
Number of Employees
Credit Rating
Assessment
Agency
/ Authority
Credit Rating As
On
Credit Rating
Expiry Date
Filler
Address
Borrower
Office
Location
Type
Borrower
Office
DUNS
Number
Address
Line 1
Address
Line 2
Address
Line 3
City/Town
District
State/Union Territory
Pin Code
Country
Mobile
Number(s)
Telephone Area
Code
Telephone
Number(s)
Fax Area Code
E-mail ID
Filler
Relationship
Relationship
DUNS
Number
Related Type Relationship Business
Entity Name
Business
Category
Business /
Industry
Type
Individual Name Prefix
Full Name
Gender
Company
Registration
Number
Date of
Incorporation
Date of Birth
PAN
Voter ID
Passport Number
Driving
License ID
UID
Ration Card No
CIN
DIN
TIN
Service Tax number
CKYC
Percenta
ge of
Control
Address Line 1
Address Line 2
Address Line 3
City/Town
District
State/Union
Territory
Pin Code
Country
Mobile
Number(s)
Telephone
Number(s)
Telephone Area
Code
Fax Number(s)
Fax Area Code
Filler
Segments
Fields
Credit Facility
Account
Number
Previous
Account
Number
Facility /
Loan
Activation
/
Sanction
Date
Sanctioned
Amount/
Notional
Amount of
Contract
Currency
Code
Credit Type
Tenure /
Weighted
Average
maturity
period of
Contracts
Repayment
Frequency
Drawing Power Current
Balance /
Limit Utilized
/Mark to
Market
Notional
Amount of
Out-
standing
Restructur
ed
Contracts
Loan Expiry /
Maturity Date
Loan Renewal
Date
Asset
Classification /
Days Past Due
(DPD)
Asset Classification
Date
Amount
Overdue /
Limit Overdue
Overdue
Bucket 01 (1 –
30 days)
Overdue
Bucket 02
(31 – 60
days)
Overdue Bucket 03
(61 –
90 days)
Overdue
Bucket 04
(91 – 180
days)
Overdue Bucket
05 (Above 180
days)


High Credit
instalment
Amount
Last Repaid
Amount
Account Status Account
Status
Date
Written Off
Amount
Settled Amount
Major reasons for
Restructuring4
Amount of
Contracts
Classified as
NPA
Asset based
Security
coverage
Guarantee
Coverage
Bank
Remark
Code
Wilful
Default
Status
Date
Classified
as Wilful
Default
Suit Filed Status
Suit Reference
Number
Suit Amount in
Rupees
Date of Suit
Dispute ID No.
Transaction
Type
Code
Other_BK
UFCE (Amount)
UFCE Date
Guarantor
Guarantor
DUNS
Guarantor
Type
Business
Category
Business
/
Industry
Type
Guarantor
Entity
Name
Individual
Name
Prefix
Full Name
Gender
Company
Registration
Number
Date of
Incorporation
Date of Birth
PAN
Voter ID
Passport Number
Driving License ID
UID
Ration Card No CIN
DIN
TIN
Service Tax
number
Other ID
Address Line 1 Address Line 2 Address Line 3 City/Town
District
State/Unio
n Territory
Pin Code
Country
Mobile
Number(s)
Telephone
Area
Code
Telephone
Number(s)
Fax Area Code Fax Number(s)
Guarantee Invocation Date
Security
Value of
Security
Currency Type Type of
Security
Security
Classificati
on
Date of
Valuation
Filler
Dishonour of Cheques Date of
Dishonour
Amount
Instrument
/ Cheque
Number
Number of
times
dishonoured
Cheque
Issue
Date
Reaso
n for
Dishon
our
Filler
File Closure
Number of
Borrower
Segments
Number of
Credit
Facility
Segments
Filler

Note: The reporting fields of the Commercial reporting format to incorporate among others the
following catalogue values:

Field Name
Additional catalogue values
Account Status
Inclusion of additional catalogue value:
•
Restructured and Closed

4 This field would help in understanding whether the restructuring of loan of the borrower was due to external/ extraneous
factors such as external environment, general downturn in economy, etc., or company/ borrower specific issues such as
change in management, performance of promoters, etc.


Credit Type
Inclusion of additional catalogue values:
•
Mudra term loan
•
Mudra working capital
•
Temporary Overdraft (account should be considered closed
by CICs when it is not reported in subsequent months by CIs
in view
of credit balance in the said account)
Major
reasons
for
restructuring
Inclusion of additional catalogue value:
•
Restructured due to COVID-19
Sanction Date
The reporting field to be mandatory
Location Type
Inclusion of additional catalogue value
•
Mortgage Property address
Relationship
Inclusion of additional catalogue value
•
Karta (HUF)
Asset Classification/
Days Past Due
Removal of catalogue values:
•
Special Mention Accounts
•
Doubtful
Borrower’s Legal
Constitution
Removal of catalogue value:
•
Not Classified
Class of Activity
To be reported as per Basic Statistical Returns 1 and 2


Form 3: Uniform Credit Reporting Format for MFIs (Including SHG)
This document provides description of the file format for Microfinance data to be
reported to CICs. This format follows Group, Consumer, Account structure – Multiple
Groups, Each Group with Multiple Consumers and Each Consumer if taken credit has
an account. It is recommended that a separate file is shared with CIC for SHG
accounts and JLG + Individual accounts. All Microfinance borrowings in the names of
the individuals, regardless of the purpose, should be included in this format. The data
should contain all live loan accounts during the relevant period, all accounts which
got closed during the period and all accounts which opened during the period.
Irrespective of the frequency of data sharing, the format of data sharing remains the
same.
A. Segments in Input File Format
The following table describes the different segments that make up the Data Input File
Format

#
Segment
Segment Tag
Option
Occurrences
Field Separator
1
Header
HDR
Required
Occurs once for a file Fixed length
separation
2
Group
Segment
GRPCRD
Required
Occurs
multiple
times,
as
many
Groups
in
the
portfolio
(only
for
SHG
Groups)
Separated (¬ or ~ or
Pipe ‘|’)
3
Member/
Consumer
Segment
CNSCRD
Required
Occurs multiple times,
as many customers in
the Portfolio. Multiple
Members exist under
one Group
Separated (¬ or ~ or
Pipe ‘|’)
4
Address
Segment
ADRCRD
Required
One or more for every
Consumer
Separated (¬ or ~ or
Pipe
‘|’)
5
Account
Segment
ACTCRD
Required
One or more for every
Account
Separated (¬ or ~ or
Pipe ‘|’)
6
Trailer
TRL
Required
Occurs once for a file Fixed length
Note: ¬ is ASCII Character 170.


B. Header Segment (HDR)
The Header Record is the first segment of the data submission file. It is a required
segment, only one Header segment is reported for each file and it is reported at the start
of the File. It contains information necessary to identify the Member Institution and the
Reporting date. It is a fixed length segment.
#
Field Name
Option
Type
Length
Description
1
Segment
Identifier
Required
AN
3
Must contain the value ‘HDR’ to
identify
the Header Segment.
2
Name of
Submission
File
Required
AN
5
Contains the name of the
submission
file, e.g. ‘HMMFI’ which indicates
CRIF High Mark Microfinance Input
File.
3
Layout Version
Number
Required
AN
3
Indicates
Input
file
format
version number. Contains the value
‘3.2’
4
Submitting
MEMBER ID
Required
AN
10
Must contain the unique member
ID
assigned by the CIC to the
Member Institution.
5
Submitting
MEMBER Name
Required
AN
30
Must contain the name of
Member
Institution submitting the file
6
Submitting
Branch ID
Required
When
present
AN
30
Unique Branch ID assigned by
CRIF High Mark to the Institution’s
Branch for a decentralized data
submission. Could be left blank, 30
spaces to be added if
BLANK.
7
Reported Date
Required
D
8
Must contain the date ‘AS OF
WHICH’ the data is being reported
to the CIC. If records in the file are
updated on different dates, use the
most recent date.
Valid
calendar
date
in
the
DDMMYYYY format


#
Field Name
Option
Type
Length
Description
8
File Creation
Date/ Extraction
Date
Required
D
8
The date when the file was created,
which must be equal to or later than
date in the Date Reported Field.
Valid calendar date in DDMMYYYY
format.
For example, Date Reported is
August 31, 2007. If the file was
extracted on September 7, 2007
and submitted to CRIF High Mark
on September 8, 2007, then the
file
creation
date
will
be
September 7, 2007, i.e. 07092007.
9
Organization
Data Structure
Indicator
Required
AN
3
Contains the organization's
account or Customer structure.
SHG for SHG data
JLG for JLG + Individual Data
10
Password
Required
AN
30
Must
contain
the
encrypted
password assigned by CICs to the
Member Institution
11
System
Vendor
Identifier
Required
when
available
AN
30
A unique identifier agreed upon to
identify the vendor of Member
Institution, furnishing the data, in
case Vendor system is being used.
For in- house developed system,
specify ‘INHOUSE ‘.
Could be left blank, 30 spaces to be
added if BLANK
12
Vendor
System
Version
Identifier
Required
when
available
AN
10
The version of the system used to
furnish the data in case Vendor
system is being used. For In-house
developed
system,
specify
‘INHOUSE’.
Could be left blank, 10 spaces to be
added if BLANK
13
Reserved for
Future Use
AN
20
Reserved for Future Use


C. Group Segment (GRPCRD)
The Group Segment is the second segment in the data submission file. It contains the
information necessary to identify the Group (only for SHG). It is present once per Group.
Each Group can have many customers/members within it. This is a required segment if
Loan Category is T04 or T05 or T06 or T07.

#
Field Name
Type
Len
gth
Option
Description
1 Segment Identifier
A/N
6
Required
Must contain the value ‘GRPCRD’
to
identify the Member/Consumer Segment.
2 Group Identifier
A/N
50
Required
Unique Group Identifier used by the
Member Institution to identify the Group
uniquely.
3 Group Name
A/N
200
Required
Name of the SHG Group
4 Group Loan
Account Number
A/N
30
Required
Loan Account Number of the Group as
in the Bank’s records
5 Disbursed Amount
(Rs)
N
9
Required
Total Disbursed amount for this loan
(in
Rupees)
6 Outstanding
Balance
(Rs)
N
9
Required
Total outstanding principal for this loan
(in
Rupees)
7 Date
Opened/Disbursed
D
8
Required
Valid calendar date in DDMMYYYY
format
8 Date Closed (if
closed)
D
8
Required
when
present
Valid calendar date in DDMMYYYY
format
9 Date of last
payment
D
8
Required
when
present
Valid calendar date in DDMMYYYY
format
10 Number of
Instalments
N
3
Required
When
present
Original number of instalments at the time
of disbursement


#
Field Name
Type
Len
gth
Option
Description
11 Repayment
Frequency
A/N
3
Required
Enumeration:
F01- Weekly
F02 - Biweekly
F03 - Monthly
F04- Bimonthly
F05- Quarterly
F06- Semi-annually
F07-Annually
F08-Single Payment Loan (bullet / balloon)
F10-Other
12 Instalment Amount
N
9
Required
Instalment Amount for the Loan (Rs.)
13 Amount Overdue
(Rupees)
N
9
Required
Amount which is due past the payment
Date
14 DPD (Days past
due)
A/N
3
Required
Enumeration:
000 = 0 payments past due (current
account) with Positive Balance 001
to 999 = Number days past due. If an
account is above 999 days, mark as 999
XXX = No payment history available for
this month
15 Loan Cycle ID
N
3
Required
When
present
Renewal cycle number of the Group
16 Loan Type (Term or
Cash Credit)
A/N
10
Required
C01-Term
Loan C02-
Cash Credit
17 Write Off Amount
(Rupees)
N
9
Required
When
present
18 Date Write-Off
(if written-off)
D
8
Required
When
present
19 Write-off reason (if
written off)
A/N
20
Required
When
present
Enumeration:
X01- First Payment
Default
X02-Death


#
Field Name
Type
Len
gth
Option
Description
X03-Wilful Default Status
X04-Suit Filed, Willful Default
Status
X09-Untagged
X10 - Not Applicable
20 Groups’
Communication
Address
A/N
200 Required
when
present
Communication Address for the Group -
as per address proof document
(Number,
Village/Taluk, Landmark, District)
21 State Code
(Groups’
Communication
Address)
N
2
Required if
Address is
provided
Must be a state code as defined
under Catalogues
22 Pin Code (Groups’
Communication
Address)
N
10
Required if
Address is
provided
Valid 6 digit PIN Code
23 Telephone Number
1 type Indicator
A/N
3
Required
When
present
Telephone / contact information details
Enumeration:
P01-Residence
P02-Company
P03- Mobile
P04-Permanent
P07-Other
P08-Untagged
24 Group
Telephone
Number 1
A/N
15
Required
When
present
Group’s telephone number (contact)
25 Group’s Bank
Account - Bank
Name
A/N
50
Required
Name of the Bank where the group has
a savings bank account
26 Group’s Bank
Account -
Branch Name
A/N
50
Required
IFSC Code (preferred) or Name of the
Bank Branch where the group has a
savings bank account
27 Group’s Bank
Account -
Account
Number
A/N
35
Required
Account Number of group’s savings
bank account


#
Field Name
Type
Len
gth
Option
Description
28 Group’s Bank
Account -
Account
Balance
N
10
Required if
available
Account Balance (in Rupees) of group’s
savings bank account
29 First Created Date
D
8
Required if
available
Date when the Group was formed
30 First Linkage Date
D
8
Required if
available
Date when the Group was first linked for
credit
31 Group Identifier
(Govt)
A/N
30
Required if
available
Identifier for the Group as captured with
Government
32 Linked to a Govt
program
A/N
20
Required if
available
U01-NRLM
U02-NULM
U03-SRLM
U04-MEPMA
U99-Others
33 SHPI/NGO Identifier
A/N
30
Required if
available
Identifier for the NGO/SHPI as
captured
with the Member Institution
34 SHPI/NGO Name
A/N
100 Required if
available
Name of NGO/SHPI involved in Group
Formation
35 SHPI/NGO Officer
Name
A/N
100 Required if
available
Name of NGO/SHPI Personnel involved
in
Group Formation/Linkage
36 SHPI/NGO
Address (with
State and Pin
code)
A/N
100 Required if
available
Address of NGO/SHPI involved in Group
Formation
(Street,
Village/Locality,
Taluk, District, State, Pin Code)


D. Member/Consumer Segment (CNSCRD)
The Member/Consumer Segment is the third segment in the data submission file. It
contains the information necessary to identify the Customer like name, date of birth, the
identification numbers like Voters ID, Aadhaar (UID), Driving License and so on. It is
present once per Customer. For group loans, Customer means Individual Member
within the group.
It is a good practice that the key demographic details of the individual member (name,
address, father/spouse name, age, Date of Birth) are captured exactly from one of the
standard KYC Identifiers, preferably from UID/Aadhaar, Voter ID, Ration card or
MNREGA Job Card.

#
Field Name
Type Length
Option
Description
1
Segment Identifier
A/N
6
Required
Must
contain
the
value
‘CNSCRD’
to
identify
the
Member/Consumer Segment.
2
Member Identifier
A/N
35
Required
Unique customer identification
number used by the Member
institution
3
Branch Identifier
A/N
30
Required
when
present
Unique branch code of the
Member Institution where the
customer
was
originally
enrolled.
Could be left blank if not
available
4
Kendra/Centre Identifier
A/N
30
Required
when
present
Unique centre
code of the
Member Institution where the
customer
was
originally
enrolled
Could be left blank if not
available
5
Group Identifier
A/N
50
Required
When
present
Unique group Identifier used by
the Member Institution where
the Customer had originally
enrolled. Or Group Name to be
provided here. If both are
present, then Group ID^Group
Name (separator as ^)
This is a required field if Loan
Category is T01 or T02 or T04
or T05 or T06 or T07
6
Member Name 1
A/N
100
Required
Name o f   the  Customer  (First
Name)


#
Field Name
Type Length
Option
Description
7
Member Name 2
A/N
50
Required
When
present
Name
of
the
Customer
(Middle Name)
8
Member Name 3
A/N
50
Required
When
present
Name of
the
Customer
(Last Name)
9
Alternate Name of Member
A/N
30
Required
When
present
If any ‘alias’ or maiden name
of the Customer is captured.
10
Member Birth Date
D
8
Required
Date of birth of Customer. Valid
Calendar date in DDMMYYYY
format. Could be left blank if
Age
& Age as on is captured
11
Member Age
N
3
Required
If instead of DOB, age is
captured then the age as
captured
at
the
time
of
membership. Could be left
blank if DOB is captured.
12
Member's age as on date
D
8
Required
Date on which the age was
recorded - to identify the current
age
Valid
Calendar
date
in
DDMMYYYY
format. Could be left blank if
DOB is captured
13
Member Gender Type
A/N
1
Required
Enumerated:
F - Female M –
Male
T - Third/Transgender
14
Marital Status Type
A/N
3
Required
when
present
Enumerated:
M01 - Married
M02 - Separated
M03- Divorced
M04 - Widowed
M05 - Unmarried
M06 - Untagged
Could be left blank if not
available
15
Key Person's name*
A/N
100
Required
when
present
Guardian's name. Either Key
Person/Member
Relationship/Nominee details
need to be filled
16
Key Person's relationship
A/N
3
Required
when Key
Person’s
Name is
populated
Enumerated:
K01 – Father
K02 -
Husband
K03- Mother
K04 -Son
K05 -
Daughter


#
Field Name
Type Length
Option
Description
K06-Wife
K15 –Other
17
Member relationship
Name 1*
A/N
100
Required
Relative name. Either Key
Person/Member
Relationship/Nominee details
need to be filled.
18
Member relationship Type 1 A/N
3
Required
when
Member
Relations
hip Name
1 is
populated
Enumerated:
K01 – Father
K02 -Husband
K03- Mother
K04 -Son
K05 -Daughter
K06-Wife
K15 -Other
19
Member relationship Name
2*
A/N
100
Required
when
present

20
Member relationship Type 2 A/N
3
Required
when
Member
Relations
hip Name
2 is
populated
Enumerated:
K01 – Father
K02 - Husband
K03- Mother
K04 -Son
K05 -Daughter
K06-Wife
K15 –Other
21
Member relationship Name
3*
A/N
100
Required
when
present

22
Member relationship Type 3 A/N
3
Required
when
Member
Relations
hip Name
3 is
populated
Enumerated:
K01 - Father
K02 - Husband
K03- Mother
K04 -Son
K05 -Daughter
K06-Wife
K15 -Other
23
Member relationship Name
4*
A/N
100
Required
when
present

24
Member relationship Type 4 A/N
3
Required
when
Member
Relations
hip Name
4 is
populated

Enumerated:
K01 - Father
K02 -
Husband
K03- Mother
K04 -Son
K05 -
Daughter
K06-Wife
K15 -Other


#
Field Name
Type Length
Option
Description
25
Nominee Name*
A/N
100
Required
when
present
Nominee
for
insurance
purposes if defined. Either Key
Person/Member
Relationship/Nominee details
need to be filled
26
Nominee relationship
A/N
3
Required
when
Nominee
Name is
populated
Enumerated:
K01 - Father
K02 - Husband
K03- Mother
K04 -Son
K05 -
Daughter
K06-Wife
K15 -Other
27
Nominee Age
N
3
Required
when
Nominee
Name is
populated

In years as of today
28
Voter's ID*
A/N
20
Required
When
present

29
UID*
A/N
40
Required
When
present
Aadhaar
30
PAN*
A/N
15
Required
When
present

31
Ration Card*
A/N
20
Required
When
present

32
Member Other ID 1 Type
description
A/N
20
Required
When
present
Reserved for NREGA ID. If
NREGA ID is captured, then
put ‘NREGA’ in this field
‘CKYC’ to be reported, if value
of
CKYC is available
33
Member Other ID 1*
A/N
30
Required
When
present
If NREGA ID is captured, then
Identifier Number to be
captured here
CKYC value to be reported
34
Member Other ID 2 Type
description
A/N
20
Required
When
present
If any other id is captured, then
information about such id
35
Member Other ID 2*
A/N
30
Required
When
present
If any other id is captured, then
information about such id


#
Field Name
Type Length
Option
Description
36
Other ID 3 Type
A/N
20
Required
When
present
If any other id is captured, then
information about such id
37
Other ID 3 Value*
A/N
30
Required
When
present
If any other id is captured, then
information about such id
38
Telephone Number 1 type
Indicator
A/N
3
Required
When
present
Telephone / contact
information details
Enumeration:
P01-Residence
P02-Company
P03- Mobile
P04-Permanent
P07-Other
P08-Un tagged
39
Member Telephone
Number 1
A/N
15
Required

40
Telephone Number 2 type
Indicator
A/N
3
Required
When
present
Enumeration
:
P01-
Residence
P02-Company
P03- Mobile
P04-
Permanent
P07-Other
P08-Un
tagged
41
Member Telephone Number
2
A/N
15
Required
When
present

42
Member’s Educational
Qualification
A/N
3
Required
Educational Qualification of the
Customer (Individual Member)
Enumeration:
Y01: Illiterate
Y02: Passed 5th class
Y03: Passed 8th class.
Y04: Passed 10th class
Y05: Above 10th
43
Asset ownership
indicator/Poverty Index
A/N
3
Required
When
present
If the customer has any assets,
then mark Y
Enumeration:
Y-Yes
N- No
If Poverty Index is available,
then it is to be directly


#
Field Name
Type Length
Option
Description
supplied.
Provide poverty index (if
calculated internally by the
Member Institution) or related
details such as BPL, etc
44
Number of Dependents
N
2
Required
When
present
Dependent family members
45
Bank Account - Bank Name A/N
50
Required
Name of the Bank where
the customer has a savings
bank
Account
46
Bank Account - Branch
Name
A/N
50
Required
IFSC Code (preferred) or Name
of the Bank Branch where the
customer  has  a  savings
bank
Account
47
Bank Account - Account
Number
A/N
35
Required
Account Number of
customer’s savings bank
account
48
Occupation
A/N
50
Required
When
present
Occupation/Profession of the
Customer
Enumeration:

Z01- Home Maker
Z02- Landless labourer
Z03- Marginal
Farmer
Z04- Small farmer
Z05- Non-farming
Z06- Others
49
Total Monthly Family
Income
N
9
Required
In Rupees, no decimal
Erroneous/ Non- submission of
data in this field will lead to
rejection of the record.
50
Monthly Family Expenses
N
9
Required
In Rupees, no decimal
51
Member's Religion
A/N
3
Required
When
present
Customer’s
Religion
Enumeration:
R01 - Hindu
R02 - Muslim
R03 - Christian
R04 - Sikh
R05 - Buddhist
R06 - Jain
R07 - Bahai


#
Field Name
Type Length
Option
Description
R08 -Others
R09 - Religion not stated
52
Member's Caste or Social
Strata
A/N
30
Required
Customer’s Caste
Enumeration:
V01 – SC
V02 - ST
V03 - OBC
V04 - NT/VJ (Vimukta Jati and
Nomadic Tribes)
V05 - General
V08 - Others
V09 – Untagged
53
Member’s Role
A/N
3
Required
When
present
Indicator for the role of
Customer within the group
Enumeration:
L01- Leader/President/Office-
bearer
L02-Associate/ Secretary
L03-Member
L04- Untagged
54
Centre Leader indicator
A/N
1
Required
when
present
Is the customer a centre leader
Enumeration:
Y- Yes
 N- No
U- Untagged
55
Member’s Status
A/N
3
Required
when
present
Indicator for the engagement
status of the Member within the
Group
Enumeration:
W01- Active (Loanee Member)
W02-Inactive/Dormant

(Non- loanee member)
W03-Exited
W04-Untagged
* One of Relationship details (Key Person’s Name, Member Relationship Name, Nominee
Name) or KYC IDs (Voter’s ID, UID/Aadhaar, Ration Card, PAN, Other IDs) is required. For the
Microfinance customers, UID/Aadhaar, Voter’s ID, Ration Card Number and NREGA ID are
most widely used identifiers.


E. Address Segment (ADRCRD)
The Address Segment is the fourth segment in the data submission file. It contains the
addresses of the customer - permanent address and present address for a customer
along with state code and PIN code. One address segment is mandatory per Member
segment.

#
Field Name
Type
Length
Option
Description
56 Segment Identifier
A/N
6
Required
Must contain the value ‘ADRCRD’
to identify the Address Segment.
57 Member's
Permanent Address
A/N
200
Required
when
present
Permanent address of the
Customer- as per address
proof
Document
58 State Code (Permanent
Address)
N
2
Required
if
Permane
nt
Address
is
provided
Must be a state code as defined
under Catalogues
59 Pin Code (Permanent
Address)
N
10
Required
if
Permane
nt
Address
is
provided
Valid 6-digit PIN Code
60 Member's
Current Address
A/N
200
Required
Present or Communication
address of the Customer - if not
residing in permanent address.
If
only
1
address
is
available,
provide
the
same as current address
61 State Code (Current
Address)
N
2
Required
Must be a state code as defined
under Catalogues
62 Pin Code (Current
Address)
N
10
Required
Valid 6-digit PIN Code
63 E-mail ID
A/N
30
Required
When
present
Note: It is advisable to capture the address exactly from one of the KYC Identifiers


F. Account Segment (ACTCRD)
The Account Segment is the fifth segment within the data submission file. It contains
the financial information related to account such as account number, type of credit
product, original and current terms and repayment information. More than one Account
segment can be present for one Customer segment.
#
Field Name
Type
Length
Option
Description
64
Segment Identifier
A/N
6
Required
Must contain the value "ACTCRD" to
identify the Account Segment.
65
Unique Account
Reference number
A/N
35
Required
This field will not change even if the
Account number changes, it can
have customer ID.
This field must be consistent on each
submission basis to avoid duplication
of information.
In case of a branch split or branch
join where the account number
changes within the tenor of the loan,
the original loan account number
should be shown
here.
66
Account Number
A/N
35
Required
Account number of the loan account.
Will be same as previous field if no
split or branch combination has
happened
during the tenor of the loan.
67
Branch Identifier
A/N
30
Required
when
present
Unique branch code where the loan
account is held currently.
Could be left blank if not available
68
Kendra/Centre
Identifier
A/N
30
Required
when
present
Unique center code where the loan
account is held currently
Could be left blank if not available
69
Loan Officer
originating the
loan
A/N
30
Required
when
present
Employee Code of Officer originating
the loan
Could be left blank if not available
70
Date of Account
Information
D
8
Required
Date on which Account was last
updated.
Valid calendar date in DDMMYYYY
format


#
Field Name
Type
Length
Option
Description
71
Loan Category5
A/N
3
Required
Enumeration:
T01- JLG Group
T02- JLG Individual
T03 – Individual
T04 - SHG Group
T05 - SHG Individual
T06 - SHG Group - Govt
T07 - SHG Intra-Group
T08 – Others
72
Group Identifier
A/N
50
Required
When
present
Required field if Loan Category is
T01 or T02 or T04 or T05 or T06 or
T07
This is the unique group code
assigned by the Member Institution.
Group Name to be provided here. If
both are present, then provide it as
“Group ID^Group
Name”
73
Loan Cycle-id
A/N
30
Required
When
present
Renewal cycle number of the
customer with the Member
Institution
74
Loan Purpose
A/N
20
Required
Purpose of the loan
75
Account Status
A/N
3
Required
Enumeration:
S01 - Loan Submitted
S02 - Loan Approved - Not yet
disbursed S03 - Loan Declined
S04 - Current
S05 - Delinquent S06 - Written Off
S07 - Account Closed
S08- Restructured due to COVID-19
S09-Restructured & Closed
S10-Settled
S11-Post Write Off Settled S12-Post
Write Off Closed
S15 – Cancelled
76
Application date
D
8
Required
When
present
Valid calendar date in DDMMYYYY
format

5 JLG-Individual: JLG loan where lending is being tracked at individual level; JLG-Group: JLG loan where lending
is being tracked at group level; Individual: Individual Microfinance loan (not JLG or SHG) – this loan should either
be reported in this format or in the consumer data format but not in both formats; SHG Individual: where the
amount of lending is being tracked at individual level; SHG – Group: where the lent amount is being tracked at
Group level only; SHG Group Govt: same as SHG Group but linked to a Government program; SHG-Group-
Intra: same as Group covering intra group lending


#
Field Name
Type
Length
Option
Description
77
Sanctioned Date
D
8
Required
When
present
Valid calendar date in DDMMYYYY
format
78
Date
Opened/Disburse
D
D
8
Required
Valid calendar date in DDMMYYYY
format
79
Date Closed (if
closed)
D
8
Required
When
present
Required if account status is S07.
Valid calendar date in DDMMYYYY
format
80
Date of last
payment
D
8
Required
When
present
Valid calendar date in DDMMYYYY
format
81
Applied For
amount
N
9
Required
When
present
Amount applied for in the
application
82
Loan amount
Sanctioned
N
9
Required
Could be replicated with value under
Total Amount Disbursed (Rupees)
83
Total Amount
Disbursed
(Rupees)
N
9
Required
Amount disbursed
84
Number of
Instalments
N
3
Required
Original Number of instalments at
the time of disbursement
Erroneous/ Non- submission of data
in this field will lead to rejection of
the record.
85
Repayment
Frequency
A/N
3
Required
Enumeration:
F01- Weekly
F02 - Biweekly F03 - Monthly F04-
Bimonthly F05- Quarterly
F06- Semi-annually F07-Annually
F08-Single Payment Loan (bullet /
balloon)
F10-Other
Erroneous/ Non- submission of data
in this field will lead to rejection of
the record.
86
Minimum Amount
Due/Instalment
Amount
N
9
Required
Instalment Amount for the Loan
Erroneous/ Non- submission of data
in this field will lead to rejection of
the record.
87
Current
Balance
N
9
Required
Only principal outstanding on the
loan


#
Field Name
Type
Length
Option
Description
(Rupees)
88
Amount Overdue
(Rupees)
N
9
Required
Amount which is due past the
payment
Date
89
DPD (Days past
due)
A/N
3
Required
Enumeration:
000 = 0 payments past due (current
account) with Positive Balance
001 to 999 = Number days past due.
If an account is above 999 days,
mark as 999 XXX = No payment
history available for
this month
90
Write Off Amount
(Rupees)
N
9
Required
When
present
Required if account status is S06
91
Date Write-Off (if
written-off)
D
8
Required
When
present
Required if account status is S06.
Valid calendar date in DDMMYYYY
format
92
Write-off reason
(if written off)
A/N
20
Required
When
present
Enumeration: required if account
status is S06
X01- First Payment Default X02-
Death
X03-Wilful Default Status
X04-Suit Filed, Wilful Default Status
X09-Untagged
X10 - Not Applicable
93
No. of meetings
held
N
3
Required
When
present
Number of center meetings held
since the loan disbursement
94
No. of meetings
missed
N
3
Required
When
present
Number of center meetings out of
the above which the customer has
not attended
95
Insurance
Indicator
A/N
1
Required
When
present
Enumeration:
Y- Yes
N- No
96
Type of Insurance
A/N
3
Required
When
present
Enumeration:
L01 - Life Insurance
L02 - Credit Insurance
L03 - Health/Medical Insurance
L04 - Property Insurance
L05 - Liability Insurance
L10 – Other
97
Sum
Assured/Coverage
N
10
Required
When
present
Sum Assured for the Insurance


#
Field Name
Type
Length
Option
Description
98
Agreed meeting
day of the week
A/N
3
Required
When
present
Enumeration:
MON - Monday
TUE - Tuesday
WED - Wednesday
THU - Thursday
FRI - Friday
SAT - Saturday SUN - Sunday
99
Agreed Meeting
time of the day
A/N
5
Required
When
present
Should be in HH:MM format
100
Dummy
A/N
30
Required
When
present
Reserved for future use


G. Trailer Segment (TRL)
The Trailer Record is the last segment of the credit reporting file. This segment is a
required segment, appears only once per file and indicates end of the file. It is a fixed
length segment.

#
Field Name
Option
Type
Length
Description
1 Segment Identifier
Required
AN
3
Must contain the value ‘TRL’ to
identify the Trailer Segment.
2 Layout Version
Number
Required
AN
3
Indicates Input file format
version number. Contains the
value ‘3.0’
3 Submitting
Member ID
Required
AN
10
Must contain the unique Member
ID assigned by CRIF High Mark
to the Member Institution.
4 Reserved for
Future Use
AN
20
Reserved for Future Use


Glossary

Term
Description
D
Date
N
Numeric data
A/N
Alphanumeric

Catalogues
A: State

Code
Description
Code
Description
AN
Andaman and Nicobar Islands
LD
Lakshadweep
AP
Andhra Pradesh
MH
Madhya Pradesh
AR
Arunachal Pradesh
ML
Maharashtra
AS
Assam
MN
Manipur
BR
Bihar
MP
Meghalaya
CG
Chandigarh
MZ
Mizoram
CH
Chhattisgarh
NL
Nagaland
DD
Dadra and Nagar Haveli
OR
Orissa
DL
Delhi
PB
Punjab
DN
Daman and Diu
PY
Puducherry
GA
Goa
RJ
Rajasthan
GJ
Gujarat
SK
Sikkim
HP
Haryana
TN
Tamil Nadu
HR
Himachal Pradesh
TR
Tripura
JH
Jammu and Kashmir
TS
Telangana State
JK
Jharkhand
UK (Formerly
UA)
Uttarakhand
KA
Karnataka
UP
Uttar Pradesh
KL
Kerala
WB
West Bengal


Sample Structure
Header Segment
Segment
Identifier
HDR
Name of
Submission File
HMMFI
Layout
Version Number
3.2
Submitting
MEMBER ID
XXXXXXXXXX
Submitting MEMBER
Name
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
Submitting
Branch ID
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
Reported
Date
31032016
File Creation Date/ Extraction
Date
12042016
Organization Member
Structure Indicator
XXX
Password
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
System Vendor
Identifier
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
Vendor System Version
Identifier
XXXXXXXXX
Reserved for
Future Use
XXXXXXXXXXXXXXXXXXXX

Trailer Segment

Segment Identifier
TRL
Layout Version Number
3.0
Submitting Member ID
XXXXXXXXXX
Reserved for Future Use
XXXXXXXXXXXXXXXXXXXX


Data Segment

Segment Identifier
A/N
CNSCRD
Member Identifier
A/N
12345678
Branch Identifier
A/N
9003
Kendra/Centre Identifier
A/N
039003
Group Identifier
A/N
039001^INDIRA SHG
Member Name 1
A/N
ANITA JAYANT NATH
Member Name 2
A/N
Member Name 3
A/N
Alternate Name of Member
A/N
Member Birth Date
(DDMMYYYY)
01011975
Member Age
N
39
Member's age as on date
(DDMMYYYY)
31012015
Member Gender Type
A/N
F
Marital Status Type
A/N
M01
Key Person's name
A/N
JAYANT NATH
Key Person's relationship
A/N
K02
Member relationship Name 1
A/N
Member relationship Type 1
A/N
Member relationship Name 2
A/N
Member relationship Type 2
A/N
Member relationship Name 3
A/N
Member relationship Type 3
A/N
Member relationship Name 4
A/N
Member relationship Type 4
A/N
Nominee Name
A/N
JAYANT NATH
Nominee relationship
A/N
K02
Nominee Age
N
Voter's ID
A/N
UID
A/N
PAN
A/N
Ration Card
A/N
Member Other ID 1 Type description A/N
VOTER ID
Member Other ID 1
A/N
Value1
Member Other ID 2 Type description A/N
Member Other ID 2
A/N
Other ID 3 Type
A/N


Other ID 3 Value
A/N
Telephone Number 1 type Indicator A/N
P03
Member Telephone Number 1
A/N
8754698XXX
Telephone Number 2 type Indicator A/N
Member Telephone Number 2
A/N
Member’s Educational Qualification A/N
Asset ownership indicator/ Poverty
Index
A/N
Number of Dependents
N
2
Bank Account - Bank Name
A/N
Bank Account - Branch Name
A/N
Bank Account - Account Number
A/N
Occupation
A/N
Total Monthly Family Income
N
Monthly Family Expenses
N
Member's Religion
A/N
R08
Member's Caste
A/N
Member’s Role
A/N
L01
Centre Leader indicator
A/N
Y
Member’s Status
A/N
W01
Segment Identifier
A/N
ADRCRD
Member's Permanent Address
A/N
LAING PART, LAING,
RAJGANGPUR, SUNDARGARH
State Code (Permanent Address)
N
OR
Pin Code (Permanent Address)
N
770017
Member's Current Address
A/N
LAING PART, LAING,
RAJGANGPUR, SUNDARGARH
State Code (Current Address)
N
OR
Pin Code (Current Address)
N
770017
Address
A/N
Segment Identifier
A/N
ACTCRD
Unique Account Reference number A/N
039000012
Account Number
A/N
123456
Branch Identifier
A/N
9003
Kendra/Centre Identifier
A/N
039003
Loan Officer for Originating the loan A/N
ABC XYZ
Date of Account Information
D (DDMMYYYY)
03102015
Loan Category
A/N
T04
Group Identifier
A/N
039001^INDIRA SHG
Loan Cycle-id
A/N
1


Loan Purpose
A/N
SEA
Account Status
A/N
S04
Application date
(DDMMYYYY)
04022014
Sanctioned Date
(DDMMYYYY)
28022014
Date Opened/Disbursed
(DDMMYYYY)
28022014
Date Closed (if closed)
(DDMMYYYY)
Date of last payment
(DDMMYYYY)
08032016
Applied For amount
N
15000
Loan amount Sanctioned
N
15000
Total Amount Disbursed (Rupees)
N
15000
Number of Instalments
N
24
Repayment Frequency
A/N
F03
Minimum Amt Due/Instalment
Amount
N
808
Current Balance (Rupees)
N
4599
Amount Overdue (Rupees)
N
0
DPD (Days past due)
A/N
0
Write Off Amount (Rupees)
N
Date Write-Off (if written-off)
(DDMMYYYY)
Write-off reason (if written off)
A/N
No. of meetings held
N
45
No. of meetings missed
N
22
Insurance Indicator
A/N
Type of Insurance
A/N
Sum Assured/Coverage
N
Agreed meeting day of the week
A/N
Agreed Meeting time of the day
A/N
Dummy
A/N


Annex II

Format for reporting information on Commercial Papers to Credit Information
Companies

‘CP’ proposed Fields
Available Field in Commercial
Data Submission format
Update in the description
column of the format, in
case of commercial paper
Name of CP issuer
BS Segment - Field No. 4. Field
Name: Borrower's Name
‘Name of the CP Issuer’
CP Amount
CR Segment - Field No. 5. Field
Name:
Sanctioned
Amount/
Notional Amount of Contract
‘Amount of CP’ to be given
Issue Date
CR Segment - Field No. 4. Field
Name: Facility / Loan Activation /
Sanction Date
‘Issue Date’ to be given
Maturity Date
CR Segment - Field No. 13. Field
Name: Loan Expiry / Maturity Date
‘Maturity Date’ to be given
Name of CRA
BS Segment- Field No. 24. Field
Name:
Assessment
Agency /
Authority
‘Name of CRA’ to be reported
Rating Agency
BS Segment - Field No. 23. Field
Name: Credit Rating
‘Rating
Assigned’
to

be
Reported
Amount of Default
CR Segment - Field No. 17. Field
Name: Amount Overdue / Limit
Overdue
‘Amount of Default’ to be
given


Annex III
Indicative Data Formats for collection of individual SHG members6
Table 1: Information to be collected from individual SHG members where the total
amount of loan to be attributed to or to be availed by the SHG member exceeds ₹30, 0007

Particulars required
Particulars provided
Basis
I. Non-Credit information

1. Name of the SHG

To be provided by the SHG member
2. Savings Bank Account Number of
the SHG

To
be
provided
by
the
SHG member

3. Loan Account Number of the SHG

To be assigned by the bank
4. Name of the SHG member

As it appears on the identity
document accepted by the CI or
in the records of the CI
5. The identity document accepted
by the bank

Aadhaar
Card
No.
/Voter
ID/PAN/Driving
licence/NREGA
Card /Passport8
6. Unique number of the identity
document accepted by the bank,
if available

Documentary proof needed
7. Father’s /Husband’s Name

As
mentioned
in
the
identity
document accepted by the CI
8. Male or Female

As declared by the SHG
Member
9.    Date of birth (if printed on the
identity document)

DD/MM/YYYY
10. Address (Complete address with
State Code and PIN Code)

Declaration basis9
11. Information about other existing
bank accounts

Declaration basis

6 The forms set out in this are meant to indicate the information requirements and could be digitized in any format,
subject to all the particulars and details indicated herein being collected.
7 To be collected at the time of sanctioning a loan to new SHGs or at the time of renewal of existing loans or granting
additional loans to the existing SHGs. With the approval of their boards, the banks with Gross NPA ratio exceeding
10% in the SHG loan segment may fix a lower threshold for collecting the information/data indicated in this Table and
the next one. This amount will not include any subsidy or margin out of the member’s own savings that goes towards
funding the activity or the purpose for which the loan is taken (both either back end or front end).
8 The banks may specifically see if any of the SHG members would fall within the purview of Reserve Bank of India
(Commercial Banks – Know Your Customer) Directions, 2025 (as amended from time to time) relating to introduction
of simplified measures for proof of identity by RBI and offer Small Deposit Accounts/Basic Saving Bank Deposit
Account to them. Wherever a SHG member is willing to open such an account, the KYC should be done as per RBI
circular and reported to the Central KYC Registry and the CICs. No document to be collected if the KYC has already
been done at the time of opening of the Savings bank Account of the SHG member, or otherwise.
9 The CI to pull out information from Central KYC registry.


12. Educational level
Codes to be used
Illiterate:                  1
Passed 5th class:  2
Passed 8th class:  3
Passed 10th class: 4
Above 10th  class:  5
Declaration basis
13. Occupation
Codes to be used
Home maker:          1
Landless labourer:  2
Marginal Farmer:    3
Small Farmer:      4
Declaration basis
14. Monthly Family income (in Rs.)

Declaration basis
15. Social strata
Codes to be used
SC:
1
ST:
2
OBC:
3
General :               5
Declaration basis
16. Mobile Number (if available)

Declaration basis
II.
Credit related information10
17. Information about existing loans
– through other SHGs where
the individual is a member

Based on the CIC report obtained by
the CI or a CI report (in the absence
of a CIC report)
17.1 Status of the SHG Account
□
Name of the SHG
□
SHG’s loan Account Number
□
Name of the lending bank
□
Amount borrowed
□
Amount outstanding
□
Status of the account
□
Regular
□
Defaulter
□
Settled
□
Sub-judice

Based on the CIC report obtained by
the CI, if available
17.2 If in default, status of the SHG
member’s loan account if the
SHG loan was distributed to
him/her11
•
Name of the SHG
•
Name of the lending bank
•
Amount borrowed
•
Amount outstanding

Based on CIC report, if
available; in other cases a
letter from the SHG to be
relied upon
18. The amount of loan proposed to
be taken out of the group loan

Letter from
the
President/Secretary of the SHG. To

10 Not applicable, if the group loan is up to ₹1,00,000/-.
11 Until the data base of individual SHG members is available with the CICs, this information may be collected and
relied upon based on a letter provided by the SHG concerned. 17.2 will not be applicable if the SHG account is
regular.


granted by the CI to the SHG12
be verified by the CI later on.
19. The loans taken by the member in
individual capacity from other
sources

This information may be collected
based on CIC reports, if available.
If
not
available
with
CICs,
individual CI’s reports may be
sought once the member declares
his    previous
borrowings.

12 All SHGs must decide upfront how they propose to utilize the SHG loan. The actual distribution of the loan to
individual members wherever it was agreed to be above Rs. 30,000 or where the actual amount disbursed exceeded
Rs.30000 though not agreed at the time of taking loan from the CI, must be reported to the CI by the SHG office
bearers. Non-adherence to this condition may be taken into account while extending further loan to the SHG or
renewing its cash credit limit next time. The CIs need to incorporate suitable clauses in the loan agreements relating
to penal provisions for providing wrong information regarding the amount of loans taken out of the group loans.
Depending upon their experience, CIs may also insist on maintenance of verifiable record of the amounts distributed
out of CI loans in cases where the average amount of loan availed by the SHG per member exceeds Rs.20,000/.


Table 2: Information to be collected from individual SHG members where the total
amount of loan to be attributed to or to be availed by the SHG member is upto
₹30,00013
Particulars required
Particulars
provided
Basis
I. Non-Credit information
1. Name of the SHG
To be provided by the SHG
member
2. Savings
Bank
Account
Number of the SHG
To be provided by the SHG
member
3. Loan Account Number of
the SHG
To be assigned by the CI
4. Name of the SHG member
As it appears on the identity
document accepted by the
bank or record of the CI
5. The
identity
document
accepted by the CI
Aadhaar Card No. / Voter
ID/PAN/Driving
licence
/
NREGA No. /Passport14
6. Unique number of the identity
document accepted by the
CI, if available
Documentary proof needed
7. Father’s /Husband’s Name
As mentioned in the identity
document accepted by the CI
8. Male or Female
As
declared
by the SHG
member
9. Date of birth (if printed on
the identity document)
DD/MM/YYYY
10. Address (Complete address
with State Code and PIN
Code)
Declaration basis15
11. Information
about
other
existing bank accounts
Declaration basis
12. Educational level
Codes to be used
Illiterate: 1
Passed 5th Class: 2
Passed 8th Class: 3
Passed 10th class: 4
Above    10
th: 5

3
4
5
Declaration basis

13 To be collected at the time of sanctioning a loan to new SHGs or at the time of renewal of existing loans or granting
additional loans to the existing SHGs. With the approval of their boards, the banks with Gross NPA ratio exceeding 10%
in the SHG loan segment may fix a lower threshold for collecting the information/data indicated in this Table. This amount
will not include any subsidy or margin out of the member’s own savings that goes towards funding the activity or the
purpose for which the loan is taken (both either back end or front end).

14 The banks may specifically see if any of the SHG members would fall within the purview of Reserve Bank of India
(Commercial Banks – Know Your Customer) Directions, 2025 (as amended from time to time) relating to introduction of
simplified measures for proof of identity by RBI and offer Small Deposit Accounts/Basic Saving Bank Deposit Account
to them. Wherever a SHG member is willing to open such an account, the KYC should be done as per RBI circular and
reported to the Central KYC Registry and the CICs. No document to be collected if the KYC has already been done at
the time of opening of the Savings bank Account of the SHG member, or otherwise.

15The CI to pull out information from Central KYC.


13. Occupation
Codes to be used
Home maker:         1
Landless Labourer: 2
Marginal farmer:     3
Small Farmer:        4

Declaration basis

14. Monthly Family income
(in ₹)
Declaration basis
15. Social strata
Codes to be used
SC:         1
ST:          2
OBC:       3
General:  5
Declaration basis)
16. Mobile Number (if available)
Declaration basis
II.  Credit information16 related
17. Information about existing
loans – through other SHGs
where the individual is a
member
Based on the CIC report
obtained by the CI or a CI
report (in the absence of a CIC
report)
17.1
Status of the SHG Account
□
Name of the SHG
□
SHG’s loan Account
Number
□
Name of the lending bank
□
Amount borrowed
□
Amount outstanding
□
Status of the account
□
Regular
□
Defaulter
□
Settled
□
Sub-judice
Based on the CIC report
obtained by the CI, if available
18. The amount of loan
proposed to be taken out of the
group loan granted by the CI to
the SHG
Based
on
CIC
report,
if
available
19. The loans taken by the
member in individual capacity
from other sources
The amount of loan to be
verified by the CI from the
SHG records.

16 Not applicable, if the group loan is up to ₹1,00,000/-.